| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 13030 PIERCE STREET, SUITE 300 OMAHA, NE 68144 | BLUECROSS BLUESHIELD OF MONTANA | $157K | $1 | $157K | 5.00% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 6.49% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 52 SOUTH 1ST STREET, SUITE 310 SAN JOSE, CA 95113 | DEARBORN LIFE INSURANCE CO | $29K | $0 | $29K | 14.86% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $5K | $0 | $5K | 5.32% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 21.97% |
| SHANNON L BRITTENHAM3 | 134 WEST BOWMAN DRIVE KALISPELL, MT 59901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 39.81% |
| ASLEIGH GEORGE3 | 2685 PALMER STREET, SUITE E MISSOULA, MT 59801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.39% |
| JODY L WALK3 | 2445 LAKE VISTA COURT, SUITE 115 CASSELBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.24% |
| ALLESSANDRA L GEORGE3 | 2329 ALINE COURT WHITEFISH, MT 59937 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.19% |
| CRAIG MICHELSON AND MISC AGENTS3 | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.15% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.11% |
| ANDREW G THEIS3 | 2685 PALMER STREET MISSOULA, MT 59808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.10% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | PACIFIC GUARDIAN LIFE INSURANCE, LTD. | $90 | $0 | $90 | 14.90% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 484 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $238K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $238K |
| Life insurance | DEARBORN LIFE INSURANCE CO | 340 | $197K |
| Short-term disability(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE CO | 340 | $238K |
| Long-term disability | DEARBORN LIFE INSURANCE CO | 340 | $197K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF MONTANA | 484 | $3.2M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE CO | 669 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.